Headline

Strategic Banking Leader | Manager at HDFC Bank | Specialized in Corporate & Agri-Funding| 5+ years of experience | MBA (Data Science) | Gen. AI Expert (IIM Mumbai) | Ex- Bajaj Finserv | Ex- Reliance Ind | Ex- Ujjivan

About

A distinguished Architect of Business Growth with a 5-year trajectory of transforming complex operational challenges into scalable financial success. Currently overseeing a multi-branch cluster at HDFC Bank, I specialize in structuring high-value credit solutions (up to ₹400 Cr) across industrial and agricultural sectors. Core Expertise: High-Value Capital Structuring: MSME, GST-registered entities, Real Estate, and Agri-Business Funding. Digital Transformation: Leveraging MBA-level Data Science and IIM Mumbai Generative AI mastery for predictive business intelligence. Strategic Leadership: Managing multi-branch portfolio and fostering high-velocity team . I bridge the gap between traditional institutional wisdom and future-ready innovation to build a legacy of consistent, sustainable growth.

Location

Ludhiana

Work experience

Manager at HDFC Bank, Dec 2025 - Present · 10 mos, Ludhiana East, Punjab, India, Working Capital Products Cash Credit Overdraft Secured Property Term Loan Agriculture Funding Gst Surrogate Funding Merchant Overdraft

Branch Sales Manager at Bajaj Finserv, Feb 2025 - Nov 2025 · 10 mos, Ludhiana, Punjab, India, Responsible for Team Management Working Capital & IBTA Consumer Durable Personal Loan Leads Dealer/ Business On-boarding & Relationship Along with Channel/ DSA partners Performance & Relationship.

Deputy Branch Sales Manager at Bajaj Finserv, Nov 2023 - Feb 2025 · 1 yr 4 mos, Ludhiana, Punjab, India

Store Manager at Reliance Retail, Mar 2022 - Nov 2023 · 1 yr 9 mos, Ludhiana, Punjab, India, My role involves overseeing daily store operations, managing inventory, and ensuring sales targets are met. I also lead the store team, enhance customer experience, and maintain compliance with company policies by maintaing EBIDTA & Store P&L

Department Manager at Reliance Retail, Nov 2021 - Mar 2022 · 5 mos, Ludhiana, Punjab, India, Worked For NSO in Property Acquisition operations.

Senior Executive at Reliance Retail, Dec 2020 - Nov 2021 · 1 yr, Ludhiana, Punjab, India, Worked for JIO PAYMENTS BANK

Digital banker at Ujjivan Small Finance Bank, Dec 2019 - Dec 2020 · 1 yr 1 mo, Jalandhar, Punjab, India, I assisted customers with digital banking services, promoted digital adoption, and resolved technical issues. i also educated customers on digital platforms and ensured smooth transactions for an enhanced banking experience.

Store Cashier at Future Retail Ltd., Mumbai, Feb 2016 - Apr 2017 · 1 yr 3 mos, Ludhiana, Punjab, India, Billing, Cross sale, Handling customer complaints

Education

Master of Business Administration - MBA, Human Resources Management and Services, Lovely Professional University (LPU)

B.com, Accounting and Finance, Kamla Lohtia Sanatan Dharam College - India